109 Trails Way, Joppa, MD 21085 Property Records

Harford County property record for 109 Trails Way, Joppa, MD 21085

Property Summary

Property Type	Townhouse
Details	3.5 ba · 2,200 sqft · built 2022
Lot Size	0.132 acres (5,740 sqft)
Owner	2 Individual Names on File
Last Sale	$409,153 (Aug 2022)
Tax Bill	$3,762 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-373498`

Property Details

APN / Parcel Number

Primary APN	`01-373498`
Alternative APN	`373498`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,200 sqft Total Area
Basement Area	1,200 sqft
Finished Basement	1,200 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Townhouse
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	5,740 sqft (0.132 acres)
Garage Type	Mixed
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	373498
Street Address	109 TRAILS WAY
City	JOPPA
State	MD
Zip	21085-4773
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	R3
Legal Description	LOT 40 5740 SF 109 TRAILS WAY OLD TRAILS PT 120/73
Legal Subdivision	OLD TRAILS
Legal Lot Number	40
Jurisdiction	HARFORD MD
Township / Civil Division	1, ABINGDON
Census Block Group	2
Census Block	2001
Census Tract	301402

Owner

Source: Harford County records, as of August 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	109 TRAILS WAY, JOPPA, MD 21085-4773
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2022 · Amount on File
Deed Sale	Aug 1, 2022 · Amount on File
Prior Sale	Oct 21, 2016 · Amount on File
Deed Book / Page	15614 / 92
Record Updated	Oct 29, 2026

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	HARFORD MD
Recording Date	Aug 1, 2022
Property Address	109 TRAILS WAY, JOPPA, MD 21085-4773
Document Number	0156140092
Book / Page	15614 / 92
Map Reference	MB JJR 120 FO 73
Instrument Date	Jul 22, 2022
Transaction Type	Transfer
Record Updated	Sep 9, 2022
Title Company	MID ATLANTIC TITLE, MID ATLANTIC TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	109 TRAILS WAY, JOPPA, MD 21085-4773

Mortgage

Document Number	0156140104
Date	Aug 1, 2022
Instrument	15614-0104

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Harford County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Harford County
Unified School District	Harford County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,762.00 (+17.64%)	$345,233 (+18.7%)	$371,100 (+26.44%) Land $92,000 Building $279,100
2025	$3,198.00
2023		$290,833	$293,500 Land $92,000 Building $201,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 15, 2021 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARFORD COUNTY D.P.W. serves 104,567 people · EPA ID MD0120016
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fiber	980 / 880